Try our Retirement Advisor tool: Whatever your retirement goals, we can help you plan for them. This simple but powerful resource can create a customized plan that helps you ensure you're saving enough to support the kind of retirement you want.

Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value.

TIAA-CREF products may be subject to market and other risk factors. See the applicable product literature, or visit www.tiaa-cref.org for details.

The TIAA-CREF Retirement Advisor is a brokerage service provided by TIAA-CREF Individual & Institutional Services, LLC, a registered broker-dealer.

The Retirement Advisor does not monitor your retirement assets or personal circumstances. The advice may vary over time and with each use. There may be other investments not considered by the Retirement Advisor that have characteristics similar or superior to those being analyzed. The tool’s advice is based on statistical projections of the likelihood that you will achieve your retirement goals. The projections rely on financial and economic assumptions of historical rates of return of various asset classes that may not reoccur in the future, volatility measure and other facts, as well as information you have provided.

IMPORTANT: The purpose of Retirement Advisor is to show how the performance of the underlying investment accounts could affect the participant's policy cash value and the resulting retirement income. Projections and other information generated through the Retirement Advisor regarding the likelihood of various Investment outcomes are hypothetical, do not reflect actual investment results and are not a guarantee of future results. The projections are dependent in part on subjective assumptions, including the rate of inflation and the rate of return for different asset classes. These rates are difficult to accurately predict. Changes to the law, financial markets or your personal circumstances can cause substantial deviation from the estimates. This could result in declines in the accounts value over short or even extended periods of time.